Explore all that the Constitution State has to offer as you look for assisted living in Connecticut. The State of Connecticut is named after the River Connecticut, the largest river in New England. Being the fourth-most densely populated state in the United States, Connecticut is also the third smallest state out of all fifty. Connecticut borders Massachusetts, New York, and Rhode Island.
Known for fall foliage and Yale University, visitors and local communities can visit popular tourist attractions such as the Connecticut Science Museum, Dinosaur State Park, and Hammonasset Beach State Park. No matter where you end up in Connecticut seniors looking at assisted living communities are sure to find a perfect new home full of potential friends.
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Cost of assisted living in Connecticut vs nearby states
Connecticut vs Massachusetts, New York, and Rhode Island
Cost of assisted living in a selection of Connecticut cities
We have provided the average pricing of several Connecticut cities below including Wallingford, Waterford, Mystic, and Hartford.
The cost of assisted living in Connecticut
Seniorly 2021 data shows that the average cost of assisted living in Connecticut is $4,726 per month. The national average is $4,057. The average price is pretty close to the average even with taxes, and urban vs. rural locations. Finding assisted living for a reasonable price should not be difficult. Check with your local assisted living providers to find a community that is right for you or your loved one. Explore our assisted living listings to start comparing properties, or get in touch with one of our local advisors to get expert advice.
Assisted living communities can provide the peace of mind that comes from not worrying about home maintenance, chores, or errands, as well as help with personal grooming, personal care, eating, and other daily activities of daily living (ADLs) seniors might have trouble with. However, if your loved one requires nursing care, or has been diagnosed with Alzheimer's or dementia that has progressed to a certain point, they might need a skilled nursing facility/home health care, or memory care community instead. These communities (and for that matter, in-home care) might cost more in Connecticut than assisted living facilities, but the important thing is that your loved one’s needs are cared for in order to provide them with the best quality of life.
If your loved one currently lives in an independent living facility, retirement community, or residential community, ask whether it is a Continuing Care Retirement Community: these senior living properties are generally designed for residents to age in place. Seniors can get the different levels of care they need, as they need them, without having to move to a different community altogether.
Overall cost of living in Connecticut
The cost of living in the United States varies greatly between states. The cost of living index is an important measure that not only tells you how expensive it will be to live in another location, but also provides the difference between one city and another. The percentage is always compared to 100.
Connecticut has a cost index of 127.7, which is higher than the average of 104.63. The housing cost is 137.7, with a transportation cost of 112.7, and grocery cost of 101.8.
Financial assistance for assisted living in Connecticut
Medicaid options for Connecticut seniors
According to benefits.gov, to be eligible for Connecticut Medicaid, you must be a resident of the state of Connecticut, a U.S. national, citizen, permanent resident, or legal alien, in need of health care/insurance assistance, whose financial situation would be characterized as low income or very low income. You must also be one of the following:
Pregnant, or
Be responsible for a child 18 years of age or younger, or
Blind, or
Have a disability or a family member in your household with a disability, or
Be 65 years of age or older.
Non-Medicaid State assistance programs
There are a few programs in Connecticut besides Medicaid that can help people find senior care and support for older adults.
The Connecticut Department on Aging offers an Alzheimer's Respite Care Program which offers relief to stressed caregivers. Information, care plans, and assistance are available to all caregivers.
Connecticut Home Care Program for Elders (CHCPE) is a waiver that helps eligible seniors to live at home instead of going into a nursing home. The purpose of CHCPE is to provide a full range of home care services to those who choose to remain in the community.
The state of Connecticut offers the State Supplement Cash Assistance program that provides assistance to the aged, blind, or disabled. The program helps to supplement their income and maintain a standard of living.
To qualify as an aged person you must be over the age of 65 and have another source of income such as Social Security, Supplemental Security Income, or Veteran’s benefits. To promote a higher degree of self-sufficiency the State Supplement program enables recipients to remain in non-institutional living arrangements.
More ways to finance assisted living
There are several options available to finance assisted living for yourself or a loved one. Long-term care can be financed in several ways:
Life insurance - Some life insurance policies have a provision for long-term care benefits.
Long-term care insurance - This type of insurance is intended to cover long-term health care needs by covering costs for assisted living or long-term care communities.
Pensions, 401K, and IRA - If you have a pension, 401k, or an IRA to fall back upon this would be a great benefit in paying for assisted living costs.
Real Estate - Having a home is a great source of income. When it is time to move into assisted living the sale proceeds from your home can cover the costs.
Veteran’s benefits - While the VA will not directly cover the costs of assisted living, you can obtain help from the VA under the Veterans Aid & Attendance benefits. The Aid & Attendance benefits help eligible veterans and their surviving spouses to pay for the assistance of activities of daily living (ADLs). Aid & Attendance benefits are often referred to by other names such as “improved pension,” “VA assisted living benefit,” or “veterans eldercare benefits.”
Free assisted living resources in Connecticut
Connecticut residents can explore state resources that can help answer your questions about certain types of benefits and how they might apply to assisted living.
